Healthcare Resources
Below is a compiled list of different resources to help provide guidance and information for your healthcare journey
Healthcare Resources
Below is a compiled list of different resources to help provide guidance and information for your healthcare journey
Medicare Frequently Asked Questions
What does Original Medicare cover?
Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance). Part A helps cover hospital stays, skilled nursing facility care, hospice, and some home health services. Part B helps cover doctor visits, outpatient care, preventive services, and certain medical equipment.
Does Medicare cover prescription drugs?
Prescription drug coverage is not included in Original Medicare. To get this coverage, you can enroll in a Medicare Part D plan, offered by private insurance companies approved by Medicare. These plans help lower the cost of your medications and provide important financial protection over time.
What types of Medicare coverage options are available?
There are several ways to receive your Medicare benefits. You can choose Original Medicare (Parts A and B), add a Part D prescription drug plan, and possibly a Medicare Supplement (Medigap) plan to help with out-of-pocket costs. Or you can enroll in a Medicare Advantage (Part C) plan, which combines your coverage and often includes additional benefits like dental, vision, and hearing.
Marketplace Frequently Asked Questions
When can I apply for health insurance through the Marketplace?
You can primarily apply during the Open Enrollment Period (OEP), which typically runs from November 1 to January 15 in most states for coverage starting the following year.
Can I get financial help to lower my monthly premiums and out-of-pocket costs?
Yes, many people are eligible for financial assistance based on their income and household size. This can include premium tax credits to lower monthly bills and cost-sharing reductions to help with out-of-pocket expenses like deductibles and copayments (available only with Silver plans). I can help you look at your options and see what is available!
What do the different "metal" categories (Bronze, Silver, Gold, Platinum) mean?
The "metal" categories reflect how you and your health plan share costs, not the quality of care.
Bronze: Lowest premiums, highest out-of-pocket costs (plan pays ~60%).
Silver: Moderate premiums and out-of-pocket costs (plan pays ~70%). This is the only level eligible for cost-sharing reductions.
Gold: Higher premiums, lower out-of-pocket costs (plan pays ~80%).
Platinum: Highest premiums, lowest out-of-pocket costs (plan pays ~90%).
Together, we can look at your needs and budget and find what works best for you!
Helpful Government Links:
MEDICARE
Sign Up For Medicare Part A and B
MEDICAID
Application to apply for Medicaid
LOW-INCOME SUBSIDY
Eligibility for Low-Income Subsidy
Medicare Frequently Asked Questions
What does Original Medicare cover?
Original Medicare includes Part A (Hospital Insurance) and Part B (Medical Insurance). Part A helps cover hospital stays, skilled nursing facility care, hospice, and some home health services. Part B helps cover doctor visits, outpatient care, preventive services, and certain medical equipment.
Does Medicare cover prescription drugs?
Prescription drug coverage is not included in Original Medicare. To get this coverage, you can enroll in a Medicare Part D plan, offered by private insurance companies approved by Medicare. These plans help lower the cost of your medications and provide important financial protection over time.
What types of Medicare coverage options are available?
There are several ways to receive your Medicare benefits. You can choose Original Medicare (Parts A and B), add a Part D prescription drug plan, and possibly a Medicare Supplement (Medigap) plan to help with out-of-pocket costs. Or you can enroll in a Medicare Advantage (Part C) plan, which combines your coverage and often includes additional benefits like dental, vision, and hearing.
Marketplace Frequently Asked Questions
When can I apply for health insurance through the Marketplace?
You can primarily apply during the Open Enrollment Period (OEP), which typically runs from November 1 to January 15 in most states for coverage starting the following year.
Can I get financial help to lower my monthly premiums and out-of-pocket costs?
Yes, many people are eligible for financial assistance based on their income and household size. This can include premium tax credits to lower monthly bills and cost-sharing reductions to help with out-of-pocket expenses like deductibles and copayments (available only with Silver plans). I can help you look at your options and see what is available!
What do the different "metal" categories (Bronze, Silver, Gold, Platinum) mean?
The "metal" categories reflect how you and your health plan share costs, not the quality of care.
Bronze: Lowest premiums, highest out-of-pocket costs (plan pays ~60%).
Silver: Moderate premiums and out-of-pocket costs (plan pays ~70%). This is the only level eligible for cost-sharing reductions.
Gold: Higher premiums, lower out-of-pocket costs (plan pays ~80%).
Platinum: Highest premiums, lowest out-of-pocket costs (plan pays ~90%).
Together, we can look at your needs and budget and find what works best for you!
Helpful Government Links:
MEDICARE
Sign Up For Medicare Part A and B
MEDICAID
Application to apply for Medicaid
LOW-INCOME SUBSIDY
Eligibility for Low-Income Subsidy
Check out my Youtube channel to stay informed!
Looking for clear, easy-to-understand information about Medicare and Marketplace health coverage?
Visit my YouTube channel, where I break down important topics, answer common FAQs, and share tips to help you make confident coverage decisions. Whether you’re new to Medicare, exploring Marketplace options, or just want to stay up to date, my videos are designed to keep you informed and empowered.
Check out my Youtube channel to stay informed!
Looking for clear, easy-to-understand information about Medicare and Marketplace health coverage?
Visit my YouTube channel, where I break down important topics, answer common FAQs, and share tips to help you make confident coverage decisions. Whether you’re new to Medicare, exploring Marketplace options, or just want to stay up to date, my videos are designed to keep you informed and empowered.
We do not offer every plan available in your area. Please contact www.medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or your local State Health Insurance Program (SHIP) to get information on all of your options.